Credit Analyst
About the role
The Associate, Consumer Credit is responsible for underwriting consumer applications from Hyundai, Kia and Genesis Dealers. This position makes credit decisions that meet acceptable underwriting standards within HCA’s policies and procedures while adhering to all State and Federal regulatory compliance.
Responsibilities
- Analyze information from credit applications utilizing the four C’s of credit to make sound credit decisions based on appropriate authority level, while effectively negotiating the terms and conditions of loan decisions via dealer phone calls or electronic rehash.
- Balance the demands of Production, Sales Support, Risk, and Quality Assessments while maintaining established SLA’s.
- Participate in team meetings and Calibrations to communicate, share trends, review Policies & Procedures and team goals.
- Follow up for approvals and pending contracts to increase capture rate and monitor dealer’s portfolio.
- Be well versed in eContract and eRehash processes.
- Conduct Customer Interviews and investigations when needed to facilitate in credit decisions or assist in the funding process.
- Coach and assist dealers to resolve funding issues and reduce unclean contracts.
- Perform all other duties as assigned.
Requirements
- Minimum 1-year automotive finance experience (Desirable)
- Experience with Collections, Funding, Dealer Services, Lease end or Customer Service (Desirable)
- Auto finance or related background is preferred
- 2 years of experience in fast paced office environment
- Experience with Dealer operations or Sales (Desirable)
- High school graduate (GED), College Degree preferred
- Strong verbal, written and interpersonal skills
- Analytical with high attention to detail
- Self-starter with excellent time management skills
- Well versed on company product offerings, reporting and measurement systems
- Ability to negotiate, influence and collaborate both with customers and associates
Qualifications
- Minimum 1-year automotive finance experience (Desirable)
- Experience with Collections, Funding, Dealer Services, Lease end or Customer Service (Desirable)
- Auto finance or related background is preferred
- 2 years of experience in fast paced office environment
- Experience with Dealer operations or Sales (Desirable)
- High school graduate (GED), College Degree preferred
- Strong verbal, written and interpersonal skills
- Analytical with high attention to detail
- Self-starter with excellent time management skills
- Well versed on company product offerings, reporting and measurement systems
- Ability to negotiate, influence and collaborate both with customers and associates
Skills
- Strong verbal, written and interpersonal skills
- Analytical with high attention to detail
- Self-starter with excellent time management skills
- Well versed on company product offerings, reporting and measurement systems
- Ability to negotiate, influence and collaborate both with customers and associates
Benefits
- Medical, Dental and Vision plans that include no-cost and low-cost plan options
- Immediate 401(k) matching and vesting
- Vehicle purchase and lease discounts plus monthly vehicle allowances
- Paid Volunteer Time Off with company donation to a charity of your choice
- Tuition reimbursement
Pay
The posted salary range for this job takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; geographic location, and other business and organizational needs. Successful candidates may be hired anywhere in the salary range based on these factors. It is uncommon to hire candidates at or near the top of the range.
Schedule
Full-time